2012 Ford Flex Insurance Quotes – 5 Tips to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Searching for lower car insurance rates for your Ford Flex? Are you confused by the crazy number of car insurance options? Many other drivers are as well. You have so many companies to choose from that it can be a big hassle to find the perfect company for you.

It is always a good idea to price shop coverage before your policy renews because insurance rates fluctuate regularly. Even if you got the lowest rates for Flex insurance last year there may be better deals available now. There is too much inaccurate information about car insurance on the web, but I’m going to show you some excellent ideas to slash your car insurance rates.

Insurance Comparisons

Most major insurance companies such as GEICO, State Farm and Progressive provide coverage prices online. The process is quite simple as you simply type in the coverage amounts you desire into a form. When complete, the system will order your driving record and credit report and gives you a price quote.

Being able to quote online makes comparing rates easy, but the process of having to visit several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible in order to find the lowest possible prices on insurance.

The easiest way to locate the lowest prices utilizes a single form that obtains quotes from many companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier. Immediately after you send the form, it is quoted and you can select your choice of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you copy the coverage information exactly as shown on your declarations page. This helps ensure you will receive a fair comparison for the exact same coverage.

Discounts can save BIG

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied when you get a quote, but a few need to be inquired about before you will receive the discount.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Club Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when buying insurance coverage for Flex insurance.
  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.

Keep in mind that most credits do not apply the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will bring down the cost of coverage.

For a list of insurance companies with discount insurance coverage rates, click this link.

Will just any policy work for me?

When choosing coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Do I need replacement cost coverage?
  • What is no-fault insurance?
  • Do I pay less for low miles?
  • How high should my uninsured/underinsured coverage be in my state?
  • I have health insurance so do I need medical payments coverage?
  • When do I need to add a new car to my policy?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverage details

Knowing the specifics of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for liability

This can cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like funeral expenses, emergency aid, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like chiropractic care, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Flex.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

This coverage will pay to fix damage to your Flex resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, a broken windshield, theft, vandalism and falling objects. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

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